To start with, I echo the sentiments of others that college should be free or at least substantially more affordable. And yes, people should be allowed to refinance their student loans in the same way they refinance homes or any other large investment. What many fail to understand is that student loan debt isn't just crippling the personal finances of the debtors, but also having an impact on our economy as a whole. Those struggling under the weight of student loans are not buying houses or cars. Even with good jobs they have no excess to put back into circulation and are not able to save for a brighter tomorrow. Their struggles are really our struggles. We should never have reached the point we are at today and predatory practices are a contributing factor in how we got here. HRD had a plan to help students. Bernie has a plan. Sadly, 45 and the GOP have their own plan, only their plan involves pressing the life out of most of us under the weight of debt while making college financially unattainable for anyone other than the very wealthy. They would prefer us ignorant. Remember, 45 has said how much he loves the uneducated. Of course he does. It was the ignorant and the greedy who put him in the White House.